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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $279,763 | $165,399+69.1% | $149,745+86.8% | $158,982+76.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 13.40% | 348.34%-334.9pp | 276.72%-263.3pp | 302.99%-289.6pp |
| Employer contribution / active EE | $7,326 | $5,105+43.5% | $4,646+57.7% | $4,763+53.8% |
| Participant deferral / active EE | $12,051 | $7,183+67.8% | $6,843+76.1% | $5,983+101.4% |
| Admin fee / account holder | $89,280 | $10,811+725.8% | $9,312+858.8% | $11,252+693.5% |